Learn the minimum liability limits required by your state.
Determine your assets. Insurance is meant to protect what can be lost in a lawsuit.
Think about the ages of the drivers in your household. Youthful drivers have more accidents resulting in lawsuits.
Realize you share liability for your children until they reach a specific age.
Consider your profession. If you work in the public eye or if you work in a profession perceived to have high income, you're likely to face larger lawsuits.
Understand that numerous cars on the road are worth more than the $25,000 property damage limits afforded by a basic policy.
Realize that you may be liable for damage to more than one vehicle if you cause a chain reaction accident.